Mobile Home Insurance Cost Calculator (2025)
Estimate your mobile home insurance premium based on your home's value, location, and coverage options, fast, accurate, and privacy-friendly.
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Insurance Calculator
Fill in your mobile home details to get an instant insurance premium estimate
Step 1 – Property Details
Step 2 – Coverage Options
Protection against flood damage
Protection against wind damage
Get discount for security features
What Affects Mobile Home Insurance Costs?
Key Factors:
- • Home value, location, and age
- • Type of coverage and deductible
- • Presence of flood/wind protection
- • Claims history and security features
- • Primary use (residence vs rental)
Regional Considerations:
- • Hurricane-prone areas (Florida, Louisiana)
- • Flood zones and coastal regions
- • Local building codes and requirements
- • Weather patterns and natural disasters
- • Local repair and replacement costs
Average Mobile Home Insurance Costs (2025)
| Location | Average Annual Premium | Notes |
|---|---|---|
| Florida | $1,000–$2,000 | Higher due to hurricanes |
| Texas | $800–$1,400 | Moderate flood risk |
| Midwest (Ohio, Iowa) | $500–$900 | Lower risk, cheaper premiums |
| UK (Park Homes) | £250–£600 | Depends on site and build quality |